have access to most, if not all, Mutual Funds.
Make an appointment at your local branch today.

Community Bond
The Community Bond is East Kootenay Community Credit Union's flag ship product. It is a secure investment with HUGE Benefits!

• Great Rates!
• Flexible - The money invested by members into our bonds goes back to our community as it allows us to invest in mortgages.
• Covered by deposit insurance.
• Health Feature – No penalty if you need to redeem your investment for medical emergencies. You must redeem the entire bond but it can be done as quickly as in a few days. A physicians note is required.
• Some are redeemable allowing members access to their money if an opportunity or emergency arises.

RRSP Loans
When funds are not available there are benefits to borrowing to make your RRSP contribution.

• Catch Up Loan
  This is a great opportunity if you have RRSP contribution room and would like to make a substantial contribution to your RRSP's. Your loan can be amortized up to 10 years which helps keep your monthly payments low. Rates can float with prime, no payments until May 15th.
• Quick Loan
  Make no payments until May 2007! Loan based on 12 month term, interest decreases with balance over the year.

Accumulator
Pay yourself first and accumulate your wealth. EKCCU’S Accumulator can help save your money, with the ease and flexibility of monthly, semi-monthly, bi-weekly, or weekly payments automatically debited from your EKCCU account, allowing you to save as you go, while earning you a better rate of interest than a savings account.

We make it convenient for you to save. You choose your term, the amount you want to save, and when you want to make the payments and we’ll do the rest. Minimum $50.00 per month required. Choose from a 1 year term up to a 5 year term. You can begin your Accumulator with an initial deposit, or simply save as you go, you choose. Interest is compounding and paid annually.

The Accumulator works for you, giving you flexibility, convenience and great rates making it easier for you to save for things such as family vacations, taxes, RRSP payments, or even that down payment on your dream home, remember you decide, we can help make it happen. Why not name your Accumulator like “Mexico, here I come!” This title will appear on your statement (paper and electronic) to help you stay motivated on your goals.

Visit our Branch for current interest rates on the Accumulator.

Accumulating your wealth with the ….“ACCUMULATOR”

1. Available for both registered and non-registered funds
2. Minimums:
                           $50./month
                           $600. certificate value
3. Initial Deposit:
                          Any amount
4. Frequent of Periodic Payment:
                          Any available
5. Terms:
                          1, 2, 3, 4 or 5 year at posted rates
6. Interest:
                          Compounding only paid annually
7. Periodic Payment Term:
                          1 year only per accumulator to expire prior to 1st anniversary date
                           of Accumulator
8. Redemption:
                          At less than certificate value
                                 - NO interest payable
                          After one year at full certificate value
                                 -with posted penalty rate at time of purchase
9. Maturity:
                          Will transfer to demand account or variable accordingly